Below is a sample letter to Equifax disputing an incorrect credit report. It is best to send the letter certified with a return receipt requested so you have proof if you have to sue later on.
———
John Hancock
123 Maple Street
Oakland, CA 90909
March 4, 2003
Equifax Information Services, LLC
PO Box 740256
Atlanta, GA 30374
Re: ABC collection account error on credit report
SSN: 123-45-6789
DOB: 3/1/1965
Dear Sir or Madam,
The ABC collection account on my credit report is not accurate and does not belong to me. Please remove the ABC collection account from my credit report immediately.
Because of the ABC collection account on my credit report I have been denied credit and I am not able to apply for credit.
Please request written proof of the alleged collection account from the person reporting the collection account in the form of contracts, receipts or any other documentation that will prove the alleged collection account belongs to me.
If you feel the collection account is accurate, please send me a written description of the procedures you used to determine the accuracy and completeness of the collection account as well written proof (receipts, contracts, etc.).
Please act quickly on this matter in accordance with the Fair Credit Reporting Act as my creditworthiness has been severely affected.
Sincerely,
John Hancock